As we brace for the winter season, homeowners across the United States face many weather-related challenges that can significantly impact their properties. Winter storms in 2022 resulted in nearly $6 billion in insured losses, marking it as the second-highest year for winter storm insured losses in the last decade. One of the costliest winter events in recent memory occurred in December 2022, with $3.5 billion in insured losses.[1] In 2021, winter storms led to a record $15.1 billion in insured losses, highlighting the severe consequences of winter weather extremes, including power outages and water damage from burst pipes. [2]
The aftermath of these storms can be long-lasting, with 62% of homeowners who experienced property damage from last winter’s snow and ice still dealing with the fallout, including financial strains from repair costs.[3] As we look ahead, the 2023 winter weather forecast indicates a varied climate across the country. The western half of the U.S. is expected to experience a wet and mild winter with above-normal temperatures and precipitation. Conversely, the eastern half is poised for a colder winter with potentially record-breaking cold and heavy snow. The Southwest may face a drier winter, exacerbating drought conditions.[4]
This dynamic and potentially hazardous weather landscape underscores the importance of proactive preparation and maintenance to safeguard homes against the ravages of winter. Our guide aims to equip homeowners with practical and region-specific strategies to protect their properties and manage the potential impacts on their insurance claims.
As the winter season unfolds, homeowners in the Western United States face unique challenges. The cold weather brings a range of issues that can affect your home, and being prepared is critical to avoiding costly insurance claims.
One of the most common winter-related problems in the West is frozen pipes. When water inside pipes freezes, it can cause them to burst, leading to significant water damage and mold. The cost of such damage can be substantial, typically ranging from $10,000 to $20,000 per claim. Equally challenging are ice dams, which form at the edge of roofs, preventing melted snow from draining and potentially causing water to leak into your home.
Falling tree branches, laden with ice, pose another risk, especially if they hang over your home. These can crash into your roof, causing damage. House fires, often associated with the holiday season’s cooking and decorative lights, also spike during winter. Lastly, wind and hail can severely damage your roof, with the average claim for such damage being about $10,800.
In the Central U.S., the winter months can be harsh, bringing various issues that could impact your home. Ice dams are a common problem, forming at the edge of roofs and blocking melting snow. This can lead to leaks inside your home, causing severe damage to walls and ceilings. Another significant concern is the damage to roofs and siding caused by heavy snowfall, sleet, hail, and strong winds.
Falling trees and limbs, burdened by heavy snow and wind, can cause structural damage to homes and vehicles and lead to power outages. Frozen pipes are also a significant issue, especially during power outages, leading to substantial water damage. Lastly, house fires, often linked to secondary heating sources, pose a considerable risk, particularly in multi-family homes.
Winter in the Eastern U.S. is characterized by various weather conditions that can threaten your home. Ice dams are a common problem when persistent cold weather causes ice to form under roof shingles, leading to leaks and water damage inside your home. Heavy snowfall, sleet, hail, and strong winds can also cause significant damage to roofs and siding. Another frequent issue is the damage caused by falling trees and limbs, which can not only harm the structure of your home but also lead to power outages. Frozen pipes are a grave concern, as they can burst and cause extensive water damage. This is especially true during power outages when homes lose heat for extended periods. House fires are another risk, often traced back to secondary heating sources, and are a concern, especially in multi-family homes, apartments, and condos.[5]
To mitigate these risks, specific steps can be taken:
It’s also important to review your insurance policy and update your documentation, including photos, to reflect your home’s condition before the winter. This helps you understand what is included in your coverage and what additional actions might be necessary to protect your home. Most home insurance policies cover perils like wind, falling debris, water damage, and fire. However, damage caused by flooding, which can occur if winter temperatures spike, is typically not covered under a standard policy and requires separate flood insurance. Liability coverage is also essential, as it can protect you if someone slips and falls on your property.
For those planning to leave their homes during winter, avoiding water damage is essential. Turning off the water supply and draining pipes can prevent bursting. Keeping the furnace running with a thermostat set no lower than 55 degrees Fahrenheit ensures that the home stays warm and pipes do not freeze. It’s also important to arrange for snow removal and have someone regularly check on the property.
In concluding our guide on preparing for the upcoming winter, it’s important to emphasize the proactive steps homeowners can take to protect their properties. For homeowners who may discover issues upon their return or during the winter months, it’s crucial to act swiftly. The first step should be to document the damage thoroughly with clear photographs and detailed notes. This documentation is vital for insurance purposes. Following this, homeowners should immediately contact their insurance carrier as quickly as possible.
At K2 Claims Services, we understand the stress and challenges that come with property damage, especially during winter. Our commitment is to provide excellent claim handling and peace of mind, ensuring that your home is protected no matter the season. We are here to help you navigate through winter’s challenges, offering reliable support every step of the way.
At K2 Claims Services LLC, we specialize in turning winter worries into peace of mind for homeowners. Our expertise in handling winter-related claims means we’re not just your claims administrator but your winter weather ally. Whether facing frozen pipes, roof damage, or any other winter challenges, our team is ready to offer swift, expert assistance. Discover the K2 Claims difference – visit our website today to learn how we can protect you this winter and beyond.
[1] https://www.iii.org/fact-statistic/facts-statistics-winter-storms#:~:text=Winter%20storms%20caused%20nearly%20%246,snow%2C%20ice%2C%20freezing%20and%20flooding
[2] https://www.thezebra.com/resources/home/top-winter-home-insurance-claims/#:~:text=In%202021%2C%20a%20record%20%2415,extreme%20effects%20of%20climate%20change
[3] https://www.valuepenguin.com/winter-weather-survey#:~:text=A%20nationwide%20survey%20commissioned%20by,the%20cost%20of%20the%20work
[4] https://www.almanac.com/winter-extended-forecast-farmers-almanac
[5] https://magazine.northeast.aaa.com/daily/money/homeowners-insurance/common-winter-insurance-claims/
